Country: USA flexscore
Year: 2012

An insurance company could use this innovation in order to: 

  • Create challenge: an insurance company Life & Savings line of business could be inspired by Flexscore and introduce goals and scoring for their customers.
  • Employee benefits: keep the same approach.


  • Flexscore is a free, financial, independent advisory tool available online and as an app, which aims to give users clarity and financial advice on how to improve their personal finances and become fully financially independent.
  • Users answer a preliminary questionnaire about their income, assets, financial accounts, debt, risk profile… based on these information, algorithms and market rates, Flexscore attributes users a score between 0 and 1000 they can compare with peer and national averages (1000 points is the score to be considered financially independent).
  • Depending on their score, users get advice and call to actions on what to do next in order to improve their financial independence (pay off a part of their debt, start saving for their retirement, etc.).

Consumer Benefits

  • Free: advice based on algorithms developed by experienced financial advisors.
  • Fun: Flexscore gamifies the experience through scoring to make it as enjoyable as possible.
  • Call to action: recommendations provided by Flexscore incite users to be proactive in their financial decisions

How to use

  • Users sign up for free online or via the app, complete their profile, answer questions and complete their goals.
  • The profile is similar to a LinkedIn profile: the more details the user completes, the higher the score and recommendations will be more accurate.
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